Guidance for Hurricane Fiona Small Business Resources

As power continues to be restored across the island, we can all take a deep breath in the aftermath of Hurricane Fiona. Right now, there is emerging information regarding the different resources that have been announced to help support small businesses and individuals.

As a small business, if you currently have a business interruption clause in your current insurance policy then please contact your broker to determine if you are eligible for support based on the status of your business during last week's downtime.

Our team also wanted to give you an updated list of the resources that are available to you as a small business. Keep an eye on this blog for any new information as it develops.

Small Business Hurricane Relief Program

This program has been just announced and details are limited. However, some small businesses may be able to apply for a one-time $2,500 grant to help cover the cost of unanticipated business closures from Hurricane Fiona. As information on this program emerges we will update accordingly.

The Disaster Financial Assistance Program


What is Covered:

This program is designed to help small businesses with costs to repair or replace uninsurable, essential basic property loss (like appliances and furniture) due to Hurricane Fiona.

What is Not Covered:

Repair and replacement costs for insured and insurable items (even if insurance wasn’t purchased) are not eligible for assistance.

Food lost due to Hurricane Fiona is not eligible for assistance.

Financial Assistance Amount: Can provide up to $200,000 for repair and replacement costs.


Small businesses can apply for financial assistance if:

1.    The damage occurred during Hurricane Fiona on 23 to 24 September 2022
2.    You don't have insurance to cover your entire loss
3.    The business owns or leases the property
4.    You’re a sole proprietor or own at least 50% of the business and you’re its full-time, day-to-day manager
5.    The yearly gross revenue is at least $10,000 and not more than  $2,000,000


How to apply:

1. Complete the Confirmation of Insurance Form

2. Complete the Income and Employee Eligibility Confirmation Form

3. Complete the Ownership Eligibility Confirmation Form

4. Complete the Disaster Assistance for Small Business Application Form  

Remember to check the application for details on all required supporting documents.

Send your completed application and supporting documents by mail to:

Emergency Management Office
Disaster Financial Assistance
PO Box 2581
Halifax, NS B3J 3N5


How Long it Takes to Be Reviewed:

It should take 6 to 8 weeks for the Emergency Management Office to review your application and let you know if you’re receiving financial assistance. It can take longer if more information is needed or if your application hasn’t been filled in correctly.



There is no cost to apply.


Before you start make sure you have the following information:


1.    Name of insurance company, policy number, and agent’s name and phone number
2.    Photos of the damage, as well as any “before”photos if you have any
3.    Itemized description of damage or loss and replacement cost estimates
4.    Copy of your rental agreement, if applicable
5.    Letter verifying business management and ownership
6.    Letter verifying your gross annual business income
7.    Authorized representative of the small business available to sign the form
8.    Authorized representative of your insurance company available to complete and sign the Confirmation of Insurance Form
9.    Chartered professional accountant or licensed public accountant available to complete and sign the Income and Employee Eligibility Confirmation Form
10.  Lawyer available to complete and sign the Ownership Eligibility Confirmation Form


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